General Archives - Page 2 Of 4 - Otterstedt Insurance Agency

What Type of Insurance Do I Need For My Nonprofit?

Written on May 20, 2021.

A nonprofit organization, also known as a not-for-profit organization, is a legal entity organized and operated for a collective, public or social benefit whose funds and revenues are reinvested in the organization to achieve their mission goals. Nonprofit organizations are typically...

Does My Business Insurance Cover Flood Damage?

Written on March 24, 2021.

There are many perils involved in owning a business today. For this reason, many business owners purchase various commercial insurance policies. Unfortunately, many are surprised and dismayed to learn, only after they need to file a claim, that among the perils not covered by their many...

What is Commercial Lines Insurance?

Written on February 24, 2021.

You may have heard the term “commercial lines insurance” and wondered what that means. Simply stated, it means the various types of insurance policies that a business can purchase to protect itself. Business insurance needs will vary because every business is unique. Even...

Does Your Current Insurance Policy Protect You If a Hurricane Strikes?

Written on July 23, 2020.

While hurricanes can occur any time of the year, the official hurricane season begins June 1 and ends November 30 each year. As we approach the peak of hurricane season, which occurs mid-August through the end of October, it’s important to ensure your insurance protection is adequate...

What Type of Insurance Do You Need as an Electrician?

Written on October 30, 2019.

Electricians do important work on homes and businesses of all shapes and sizes. You work in all weather conditions to help bring light and warmth to the homes of others. In addition to the hazards you face from the work you do, you also face risks from mistakes, accidents, and more. The...

What Type of Insurance Do You Need As a Pool Service Company

Written on July 26, 2019.

As a pool service company, you provide a wide range of services to enhance the outdoor livings for the families you serve. For this reason, you need to make sure you choose insurance coverage that offers sufficient protection for all the jobs you do. Jobs that may include any or...

What Type of Insurance Do You Need as an HVAC Contractor?

Written on June 26, 2019.

HVAC contractors can be some of the most popular people in your town or community. When people need their air conditioning repaired in the middle of a heat wave or heaters replaced during the worst weather winter, you come in and save the day or night. That doesn’t mean your job is not...

What Type of Insurance Do You Need as a Landscaper?

Written on April 16, 2019.

As a landscaping business owner, you might fear you don’t have the right amount of insurance protection to meet your needs. That’s more than a legitimate concern because failing to have adequate protection for your business places you in serious risk if something goes wrong. So, what...

Employer Company Car Accidents & Violations: Who is Liable?

Written on February 15, 2019.

When employees use business vehicles for business errands, the question of liability and responsibility often arises. Who is responsible for acts of drivers in business vehicles? It’s a question some employers do not even consider until a violation, accident, property damage, or injury has...

What is Replacement Cost on Contents and Building?

Written on January 3, 2019.

When buying insurance or shopping around for policies, you’ll come across many terms that might seem foreign to you. At least in the concept of buying insurance. One of those terms is “replacement cost.” You need to take the time to learn about this one because it’s an important term to...